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Finance A Car With Bad Credit

Finance A Car With Bad Credit


Getting a new car is definitely not easy, but when you have bad credit, it becomes even worse. That’s because there are so many places that don’t want to even talk to you when your credit isn’t good. They only want to work with people who have excellent credit and you end up falling by the wayside and I bet this is definitely not what you want. So what can you do about it? Well, there are plenty of things that you can do and there are actually plenty of places that you can get the loan that you need. Once you’ve got it, you can even use that loan wherever you want.

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Head to the Dealerships

car loanIf you really want to, you can buy a car from a dealership even with bad credit. The key is getting pre-approved for a loan that is right for you. There are dealerships who are willing to work with you because they know that you deserve a chance to the vehicle that you need. After all, your bad credit should not solely define who you are as a borrower. On the other hand, you carry the burden of proving that you are capable of paying of the loan despite your poor credit score. 

Dealerships often want to get you loans right through their billing and financial department, but that’s not always possible when you have really bad credit. If you get pre-approved, you don’t have to worry about this part because the dealership isn’t in charge of your money and they know that they’re going to get the money they want right up front, without having to take a risk on you. Instead, the company that is giving you the loan is the one that’s taking a risk on you.

With a dealership, you’ll have a whole bunch of options because you’ll be able to choose from any vehicle that their manufacturer sells. You’ll be able to choose from several different dealerships as well, which is definitely going to be a bonus. Most people who have bad credit don’t think they’ll have that many options, but you definitely can, with the right loan. And with us, we don’t care whether your credit is good, bad or anything in between. We’ll get you the loan that you really need right away by just filling out this application.

Check Out a Car Lot

A lot of car lots offer different types of vehicles too. Though most of these lots are for used cars, you’ll be able to find some that are in all different price ranges and all different years. That means you can choose from a slightly newer vehicle if you want one, without a problem. You’ll also be able to find plenty of options, across different manufacturers, which can definitely be a benefit. You may even get more options than going to a dealership but it is unlikely for you to get a brand new car.

The best part of a car lot is that you’re also not going to spend as much. The lenders are more likely to work with you if you have bad credit because most of their potential clients are. That means they shouldn’t have a problem with you and they’re going to be more than happy to help you find the car that you really want or need

Once you decide to go to the car lot, you just have to check out your favorite vehicles and decide what you’re really looking for. Keep in mind that they don’t have everything, but they will probably have several options and you might be able to find at least one or two of the vehicles you really wanted to look at. Basically you just look around and see what you can find and you can definitely check out several different lots before you pick the one vehicle you really want. It’s easy. All you need to do is fill out this application right here and you can be preapproved and ready to go.

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Find a Private Party

Where to Buy a Car if You Have Bad Credit Pic 2

Many loan companies don’t really want you to work with a private party, but there are plenty that will. Even if you have bad credit, this can be a great option because you can choose from so many different vehicles. Of course, it’s important to point out that with a private party you’ll need to look for a different person for nearly anything you want to find. Most private party sellers only have one or maybe two vehicles that they are selling at a time, which increases the amount of time you’ll spend. On the other hand, if you already have a pre-approved car loan, you won’t have to worry about this anymore. 

The best thing is you can keep looking around and you don’t have to worry about a pushy salesperson. Private parties are going to show you their respective vehicles but they really don’t have a vested interest in selling it to you specifically. Sure they want to get rid of the vehicle so they can have some money, but it’s not quite the same as going to a dealership or a car lot. 

The most important thing is to make sure that you’re looking at all your options and that you understand your credit doesn’t have to hold you back. Click here if you want other loan options to choose from.

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We provide free service in 8 provinces, Ontario, Nova Scotia, New Brunswick, PEI, New Foundland, Manitoba, Saskatchewan, and British Columbia. We service everyone from Toronto, Ottawa, London, Hamilton, Mississauga, North Bay, Thunder BaySudbury, Sault Ste. Marie, Barrie, Oshawa, Brampton, Kitchener, St. Catharine’s, Niagara Falls, Belleville, Windsor, Bracebridge, Gravenhurst, Collingwood, Orillia, Peterborough, Nepean, Cornwall, Kingston, St. Johns, Saint. John, Moncton, Winnipeg, Brandon, Red Deer, Calgary, Edmonton, Saskatoon, Regina, Kamloops, Victoria, Surrey, Kelowna, Vernon, Prince George, Nanaimo, Fort McMurray, Banff, Moose Jaw, Prince Albert, Swift Current and the rest of Canada. Our dealer network is one of the largest in Canada and always provides free finance to own quotes.

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